“Of course, owning a gun is not a responsibility that everyone should
assume. Most guns kept in the home will never be used for self-defense.
They are, in fact, more likely to be used by an unstable person to
threaten family members or to commit suicide. However, it seems to me
that there is nothing irrational about judging oneself to be
psychologically stable and fully committed to the safe handling and
ethical use of firearms—if, indeed, one is. [1]

Initial amount you to be responsible with | Monthly contribution | Where to spend it, top to bottom

$0 Pay off your debt, if any
Pay off your credit card (each month) before they charge you interest for (essentially) being lazy.
Student Loans - if any, consolidate where possible, setup a payment plan as early as possible.
It is generally smarter to pay student loans off slowly and steadily than to dump all your funds into paying them off.

$0 - $5,000 Mango Bank - Savings account / Emergency Fund
Standard savings account, but at 6% APY - most savings account are %0.01, even from credit unions
This keeps your money readily accessible (ie. during an emergency, you can get money from an ATM) but still earning up to $300/year. https://www.mangomoney.com/what-is-mango#savings

In fact, if you put in the full $5,000 to the Mango Savings, you will earn $25/month in interest ($300/year). That’s money your investments are making for you, even while you sleep. Because Mango drops the interest rate to standard (very low) rate any amounts above $5,000, it is reasonable to transfer the extra funds to your regularly used checking account regularly. Conveniently $25 just so happens to match the cost of 1 share of a loan from the LendingClub! You can setup an auto-transfer each month, and grow out your p2p lending with interest from your rainy day fund, with no more out of pocket expense!

EXAMPLE: Ok, let’s pretend you have ~$5,575.00 that you want to ‘be responsible’ with. Put your first $5000 into Mango ...

“Some four years after the 2008 financial crisis, public trust in banks
is as low as ever. Sophisticated investors describe big banks as “black
boxes” that may still be concealing enormous risks—the sort that could
again take down the economy. A close investigation of a supposedly
conservative bank’s financial records uncovers the reason for these
fears—and points the way toward urgent reforms.”

“You may have read about my concept of “core gifts”; the places of
deepest sensitivity, tenderness and passion within us. These are the
places of our greatest capacity to love and create—and they are also the
places where most of us have been profoundly hurt. These gifts are
strands of potential greatness within us, and when we express them we
feel most alive and empowered—or most frighteningly vulnerable. Core
gifts are not the same as strengths and talents. In fact, sometimes they
feel like our greatest weaknesses.”

“Now that Discovery is safely delivered to the Smithsonian, I think I
can tell the story of how we nearly lost her in July of 2005, and how
well-intentioned, highly motivated, hard-working, smart people can miss
the most obvious.”

“Recognizable by her signature vivid-pink locks, Fried (or Ladyada, as
she is known on the internet) is one of the dominant forces behind the
maker movement—a legion of do-it-yourself-minded folks who create cool
things by tweaking everyday technology. Last year New York City-based
Adafruit did a booming $10 million trade in sales of DIY open-source
electronic hardware kits, so-called because project designs are free and
publicly accessible, and customers are encouraged to modify or “hack”
the final product. In addition to MintyBoost ($19.50), the online
catalog includes in-house designs like the iNecklace ($75), a pendant
shaped like an Apple gadget’s “on” button, complete with a pulsing LED
light; and third-party products that have earned the “Adafruit seal of
approval,” like the MaKey MaKey ($49.95), a device that can turn any
object ...

“Ever since learning about the Rubber Room and Blast Room deep below
launch Pad 39A at Kennedy Space Center I had been hopeful that I would
one day get to photograph this mysterious remnant of the Apollo Program.
I had seen very few photos of this room online and by talking to friends
at KSC I seemed to have confirmed that access to this underground bunker
had been very limited over the years. Following the end of the Shuttle
Program and safing of the launch pads, access has become a little bit
easier. There are two Rubber and Blast Rooms built to identical
blueprints, one under launch pad 39A and another under 39B. Just
recently, the rooms under 39B were closed off due to concerns from
peeling lead based paints, which were commonly used during ...

A city in Brazil recruited local farmers to help do something U.S.
cities have yet to do: end hunger.

“In writing Diet for a Small Planet, I learned one simple truth: Hunger
is not caused by a scarcity of food but a scarcity of democracy. But
that realization was only the beginning, for then I had to ask: What
does a democracy look like that enables citizens to have a real voice in
securing life’s essentials? Does it exist anywhere? Is it possible or a
pipe dream? With hunger on the rise here in the United States-one in 10
of us is now turning to food stamps-these questions take on new urgency.”